Citizens Property

Florida's state-backed insurer of last resort for property owners who cannot find coverage in the private market. Citizens is one of the largest property insurers in Florida by policy count.

Headquarters

Tallahassee, Florida

Claims phone

866-411-2742

Website

www.citizensfl.com

Xactimate

Uses Xactimate for estimates

What Citizens Property is known for

Florida's insurer of last resort
One of the largest Florida property insurers
State-backed corporation

Filing a claim with Citizens Property

Practical tips for restoration professionals working Citizens Property claims.

Citizens handles a massive volume of hurricane and wind claims. Be prepared for longer processing times during storm season.

Their adjusters use Xactimate. Have your scope ready immediately after a storm to get ahead of the queue.

Citizens policies typically carry a separate hurricane deductible that is percentage-based. Confirm the exact amount with the policyholder.

Document everything with photos and timestamps. Citizens processes thousands of claims after major storms and thorough documentation stands out.

Working with Citizens Property in Xactimate

Citizens Property adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from Citizens Property, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.

Common deductible types

Percentage-based hurricaneFlat dollar non-hurricane

Frequently asked questions

Citizens is a state-backed property insurer in Florida created to provide coverage for homeowners who cannot find insurance in the private market. It is not a government agency but a state-created, not-for-profit corporation.

File online at citizensfl.com or call the claims number listed on their website. During hurricane season, expect higher call volumes and longer wait times.

Citizens policies typically have a percentage-based hurricane deductible, often 2% to 5% of the dwelling coverage. Check the specific policy declarations for the exact amount.

Convert your Citizens Property PDF to ESX

Upload a PDF estimate from Citizens Property. CapOut processes it and sends it directly to your Xactimate account.

Get started free